This home is in Fernandina Beach — an oceanfront home in Northeast Florida.
Sold·Closed Oct 1, 2026·92 days on market·Recent sales in Amelia Island
4670 Carlton Dunes Drive 3201
Fernandina Beach, FL 32034
About this home
Fernandina Beach
Welcome to oceanfront living at 4670 Carlton Dunes Dr. #3201. Priced with opportunity in mind, this residence offers the chance to refresh, personalize, and create immediate value. Inside, an open floor plan features wood flooring throughout the main living areas and abundant natural light. The kitchen includes stainless steel appliances, quartz countertops, ice maker, wet bar, and beverage center. Enjoy seamless indoor-outdoor living with sunrise views from the oceanfront balcony and sunset views from the west-facing balcony. The 700 sq ft terrace is ideal for relaxing or entertaining. A private elevator opens to your own foyer with added storage. Additional features include two garages, whole-building generator, hurricane shutters, and two pools (one heated). Located near the Ritz-Carlton and Amelia Island Golf Club. Inquire about remodeling estimates.
Next steps in Amelia Island
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Hurricane evacuation zone A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water (record)
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,759 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,574,000 | $1,034,308 | — |
| 2024 | $2,475,000 | $1,004,451 | — |
| 2023 | $2,430,000 | $973,739 | — |
| 2022 | $2,270,000 | $943,921 | — |
| 2021 | $1,705,000 | $914,972 | — |
| 2020 | $1,590,000 | $901,649 | — |
Estimated taxes if purchased at asking price: ~$43,500/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 435 current Nassau listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.
History
Price & status history
- Oct 1, 2026Closed$2,800,000
- Jul 15, 2026Pending$2,800,000
- Apr 14, 2026Listed$2,800,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $627/sq ft; this home is listed at $919/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4694 Carlton Dunes Drive 1401, Fernandina Beach, FL 32034Listed by AMELIA ISLAND REAL ESTATE SERVICES | Jun 2026 | $2,800,000 | $919 | 4/4 | 3,046 | 178 | 0 |
| 95130 Sabal Palm Road 103, Fernandina Beach, FL 32034Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Apr 2026 | $840,000 | $394 | 3/2.5 | 2,134 | 74 | 1.1 |
| 5025 1st Coast Highway 202B, Fernandina Beach, FL 32034Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Sep 2026 | $2,100,000 | $627 | 3/3.5 | 3,348 | 181 | 1.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: AMELIA ISLAND REAL ESTATE SERVICES
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
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